Our advisors compare truck and HGV insurance quotes across a panel of trusted UK insurers — helping you choose the right cover for your business at a suitable price.
Cover for trucks, HGVs, tippers, skip lorries and concrete mixers
18 – 44 tonne HGV specialists
Contracted haulier and sub-contractor specialists
One fast form — we do the quote-comparing for you
Call 0344 892 1434
Mon - Fri: 9am - 5pm
Please note we cannot offer cover for personal or pickup trucks.
Rising costs, driver shortages and fuel prices make every saving count. We compare truck and HGV insurance quotes across our panel — saving you time and helping you choose the cover you need.
From general haulage trucks and rigid or articulated HGVs (typically 18–44T) to tippers, concrete mixers, skip lorries, box vans, curtain-siders and flatbeds — we have extensive experience arranging cover for a wide range of operations, including heavy haulage and abnormal load carriage.
Our specialists explain what's essential and what's optional, then help you choose the cover you need for your operation — whether you're an owner-driver, a franchise haulier, or running a fleet of several vehicles. Not a franchise haulier? No problem. We'll help you too.
We don't just arrange your policy and move on. We'll discuss potential gaps in your cover and emerging risks to help you ensure that you have the protection your business needs.
Alongside truck and HGV motor insurance, we can arrange liability, goods-in-transit hauliers' liability, breakdown, property, business interruption, cyber and other essential covers — all in one place.
Truck insurance (also known as HGV insurance) protects heavy goods vehicles over 3.5 tonnes used for commercial purposes.
It helps keep your business moving — covering your vehicles, your drivers and your liability if something goes wrong.
Legally required for vehicles on public roads
Protects against damage, theft and third-party claims
Tailored to your operation, cargo and routes
We arrange insurance for a wide range of commercial vehicles and specialist operations.
Vehicle type | Typcial use | Vehicle features |
Rigid HGVs | Local & regional deliveries | Fixed body vehicles |
Articulated Lorries | Long-distance haulage | Tractor + trailer |
Tippers & Mixers | Construction & aggregates | Heavy-duty use |
Skip Lorries | Waste & recycling | Specialist operations |
Curtain-Siders & Box Vans | Pallet transport | Flexible loading |
Flatbeds | Machinery & oversized loads | Open platform |
Specialist Vehicles | Livestock, dairy, container transport | Tailored cover |
If your vehicle falls outside these, speak to us — we regularly arrange cover for complex and specialist risks.
Truck insurance is essential for a wide range of operators, but the level of cover and risk profile can vary significantly depending on how your business is structured and how your vehicles are used.
Operator type | Why they need specialist cover |
Owner-Drivers | Responsible for both vehicle and business risk. Often rely on a single vehicle, making downtime, breakdown and loss of income critical considerations. |
Independent Hauliers | Typically operate across varied contracts and routes, increasing exposure to different risks, cargo types and liability requirements. |
Subcontractors & Franchise Hauliers | Often work under contract to larger firms, requiring specific liability and compliance cover to meet contractual obligations. |
Logistics & Distribution | Companies High-volume operations with time-sensitive deliveries can increase exposure to goods-in-transit claims, delays and operational disruption. |
Construction & Plant Operators | Vehicles often operate on sites with higher risk environments, including loading hazards, uneven terrain and third-party exposure. |
Waste, Recycling & Skip Hire Operators | Frequent stops, urban operations and hazardous or unpredictable loads can increase both vehicle risk and public liability exposure. |
Fleet Operators | Managing multiple vehicles and drivers introduces complexity, requiring structured policies, risk management and cost control across the fleet. |
Whether you operate a single vehicle or a complex fleet, the risks your business faces will depend on how and where your vehicles are used. Our specialists take the time to understand your operation, so your cover reflects your real-world exposure, not just a standard policy.
We will help you tailor a policy to fit your business. Cover options include:
Cover type | What it protects |
Third Party | Covers your legal liability for injury to other people or damage caused by your truck or HGV to other road users, vehicles or property. |
Third Party, Fire & Theft | Adds cover if your truck is stolen or damaged by fire, helping reduce the financial impact of vehicle loss following an insured event. |
Comprehensive | Covers damage to your own truck as well as your legal liability for third-party claims, helping you get back on the road after an insured event. |
Goods in Transit | Cover for goods, materials or products you are transporting if they're lost, stolen or damaged while being carried. |
Hauliers' Liability | Covers your legal liability for customers' goods while they are in your care, custody or control during transport. |
Public Liability | Protects your business if loading, unloading or other transport-related activities cause injury to a third party or damage to their property. |
Employers' Liability | Covers claims from drivers, loaders, warehouse staff or other employees who are injured or become ill through their work. |
Breakdown & Recovery Cover | Helps get your vehicle moving again following a breakdown and can provide recovery to minimise disruption to deliveries and schedules. |
Property Insurance | Protects physical business assets such as depots, workshops, storage facilities, equipment and tools that support your transport operation. |
Business Interruption Insurance | Covers loss of income if an insured event prevents your haulage or transport business from operating as normal. |
Cyber Insurance | Protects against cyber attacks, ransomware incidents and data breaches that could disrupt fleet management, logistics systems or business operations. |
Details of the cover provided including exclusions and conditions applicable can be found in the policy documents issued.
Different operations carry different risks. We tailor cover accordingly. We support businesses across:
Sector | Why specialist cover matters |
Aggregate & Agricultural Haulage | Often involves heavy loads, rural routes, and variable terrain. The potential increased risk of vehicle wear, tipping hazards, and seasonal usage makes tailored cover essential. |
Concrete Mixers | Continuous operation, heavy rotating loads and time-sensitive deliveries may increase mechanical and operational risks, as well as potential site liability exposure. |
Livestock & Dairy Transport | Carrying live animals or perishable goods introduces welfare considerations, spoilage risk, and strict compliance requirements that standard policies may not fully address. |
Pallets & Containers | High-volume, often high-value goods being transported through distribution networks can increase exposure to theft, damage and goods-in-transit claims. |
Plant & Machinery | Transport Moving heavy or specialist equipment may create higher-value risk and loading/unloading hazards, requiring enhanced liability and goods protection. |
Skip Hire | Vehicles may operate in tight urban environments and construction sites, which can increase third-party damage risk and exposure during placement and collection of skips. |
Waste & Recycling | Can involve hazardous or unpredictable loads, frequent stops, and complex working environments, which may increase both vehicle and public liability risks. |
The risks associated with different types of haulage can vary. The above are examples of factors that may influence the level of cover required.
Your premium depends on a range of operational factors, examples include
Vehicle type, size and weight (e.g. 7.5T vs 44T+)
Type of goods carried
Distance, routes and usage
Driver experience and claims history
Fleet size and policy structure
Security measures and storage
We compare insurers and advise on how to balance cost with the level of protection your business needs.
If you operate multiple vehicles, fleet insurance can simplify your cover:
One policy for multiple vehicles
Flexible driver cover options
Easier administration and renewals
Scalable protection as your business grows
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible:
24/7 direct-to-insurer motor claims helplines: call the claims number in your policy document.
Free Everywhen 'FirstCall' app: download for iOS on the App Store or Android on Google Play
In-house claims specialists: call our team on 0344 892 1434.
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about truck insurance to support you every step of the way.
Truck and HGV insurance provides operators with the cover legally required when driving a vehicle on the road — unlimited cover for third-party injury or death, and cover for damage to third-party property of not less than £1.2 million. Comprehensive cover also protects against loss or damage to your own vehicle (an excess will apply to own damage claims — amounts vary and will be detailed in your quotation). The policies we offer are particularly suited to road haulage businesses running HGVs over 7.5T, from a single vehicle up to a full fleet.
We can cover most truck and HGV types, including rigids and articulated lorries (typically 18–44T), tippers, concrete mixers, skip lorries, box/curtain-side, flatbeds, livestock vehicles, aggregate lorries and more. We're also one of the few UK specialists in the heavy haulage and abnormal load market, so speak to us if your vehicle exceeds 44T GVW. Please note we cannot offer cover for personal or pickup trucks.
Most customers choose comprehensive cover, which protects against third-party claims as well as loss or damage to your own vehicle. More limited third-party fire and theft, and third-party only coverage is also available. Cover is available for trailers as well as tractor units.
Any vehicle over 3.5 tonnes used to transport goods commercially.
Yes. Whether you're an owner-driver or a fleet operator, truck and HGV insurance is a legal requirement. Comprehensive cover also protects your vehicles — which represent a significant business investment — against loss and damage
No — we're a one-stop shop. As well as motor insurance, we can arrange goods-in-transit, public liability, employers' liability, breakdown, property, business interruption, cyber cover, commercial legal expenses, uninsured loss recovery and more.
Yes — at least third-party cover is required to operate on public roads.
If you employ anyone — even occasionally or temporarily — you are legally required to have employers' liability insurance, unless an exemption applies (such as a family business where every employee is a close family member and the business is not incorporated as a limited company). We can arrange this alongside your truck and HGV policy. Find out more on the HSE website.
We understand the cost pressures on new businesses and will work with you to explore the cover, service and pricing options available — including introductory and no-claims discounts for drivers with a claim-free history. Discounts are subject to insurers' underwriting criteria and individual circumstances.
While we consider the nature of your work and the locations involved, we can usually find a suitable level of cover. Our specialists have training in this complex area and can advise you over the telephone.
Not always, this is usually added separately depending on your needs.
Yes. We know how important airside cover can be for some operators and can usually arrange it on request.
Don't buy on price alone.
Also consider:
Whether the insurer is financially sound and able to pay claims
Whether the cover provides the protection you actually need, with no hidden exclusions
Whether your broker is a genuine specialist you can rely on for advice
The level of service you can expect from both broker and insurer at the point of claim
Premiums vary by insurer and depend on factors including:
The value of your vehicles
Where your vehicles operate, including abroad
The nature of your business activities and any hazardous sites or loads
Driver profiles — age, experience, accident and conviction history
Whether telematics or camera systems are installed
Past claims experience (fleet-rated policies typically apply above 5 vehicles)
In addition to standard exclusions (war risks, radioactive contamination, terrorism), common exclusions include:
Claims arising from contractual agreements where a claim wouldn't otherwise have been accepted
Use outside what the certificate of insurance permits (e.g. racing or speed testing)
Driving by someone not permitted by the certificate, or without a valid licence
Vehicles driven 'airside' without specific cover in place
Full terms, conditions and exclusions are available in the policy wording through the quotation process.
Improved security, experienced drivers, and a strong claims history may help reduce premiums.
Yes, fleet policies allow multiple vehicles under one policy, simplifying management.
Yes. We offer a quick and easy direct debit scheme to spread the cost of your annual premium. You will pay under a Premium Finance plan; full details including total payable, number of instalments, cost of each and representative APR will be provided before you proceed.
